Historical profit Rate
HBL Al-Samarat Account
- Based on the pre-agreed profit-sharing ratio
HBL Islamic Foreign Currency Investment
- Based on the pre-agreed profit-sharing ratio
Investment Periods
HBL Al-Samarat Account
- Available in multiple tenures
HBL Islamic Foreign Currency Investment
- Available in multiple tenors
Profit Payment Options
HBL Al-Samarat Account
- Monthly, Quarterly, Semi-Annually, or at maturity
HBL Islamic Foreign Currency Investment
- On maturity
Eligibility Criteria
HBL Al-Samarat Account
- Available to all individuals with HBL accounts.
HBL Islamic Foreign Currency Investment
- Available to all individuals with HBL accounts.
Features
HBL Al-Samarat Account
- Invest with just PKR 25,000/-.
- Flexible profit payout options: Monthly, quarterly, semi-annually, or at maturity.
- Early redemption facility.
- Zakat applicable.
- Withholding tax applicable.
HBL Islamic Foreign Currency Investment
- Offered in USD, Euro, and GBP.
- Open an account with just 1,000 units of any of the specified currencies.
- Profit payout on maturity.
- Availability of multiple tenors.
- Facility for early redemption as per bank’s policy.
Benefits
HBL Al-Samarat Account
- Profit shared between customer and HBL: Based on the agreed Profit Sharing Ratio under Mudarabah.
- Early redemption: Facility available.
- Shariah-compliant: Investment based on Islamic finance principles.
HBL Islamic Foreign Currency Investment
- Profit sharing: Customer (Rab-ul-Maal) and HBL (Mudarib) share profits according to a pre-agreed ratio.
- Loss bearing: Any loss is borne by the customer; HBL will not share in the loss or the profit.
- Shariah-compliant: Investment based on Islamic finance principles.